Interested In Investing? Here’s How 20-Somethings Do It


Your 20’s could be such confusing years.  Half of you thinks you are an adult who should have it together, the other half still feels like a child in need of guidance. Now when it comes to finances, your 20’s are either your make or break it years. Although it is never too late to investing, the earlier you start, the more compound interest you are able to accumulate.

So how exactly do you invest? Should you stick to your 401k provided by your employer? Should you invest in the stock market? Should you pay down your debt first?

So many questions don’t always require many answers. The simple answer to those questions is: whatever you do, it’s important that you start.


How do I start investing?

For those who want to fully dive into the investing game, the stock market is the perfect place for you. You can join the stocks trading arena as a broker or as an investor with an investment advisor. By buying stocks, you can have ownership of a specific company or several companies.

You can easily start trading by signing up for apps such as Acorns, Robinhood and Ellevest. Keep in mind that this investment vehicle is highly volatile, but has greater yields. So, if you are the adventurous and risk-taker type, then go ahead and invest in stocks.

  1. Acorns

Acorns is an app that invests your change for you. The way that it does that is by rounding up your purchases to the dollar and investing that spare change, which in time grows in interest. The best thing about it is that you don’t even realize that you are investing because it’s such little amounts, it doesn’t put pressure on your bank account.

For example, if you spend $5.90, you won’t even notice the difference when Acorns rounds it up to $6.00 and invests that .10 cents. Overtime, you’ll see how much you accumulated. Think of it as a digital piggy bank.

You can get $5 to start investing if you create an account.

Sign up here.

2. Robinhood

Robinhood is an app that allows you to invest in stocks, it isn’t just a regular app, however, it is one of the first services that allows you to purchase stocks without paying a transaction fee. Yes, that means all our money goes to stocks instead of paying $5 to even purchase the stock. That allows you to put that money towards more stock. The great thing about Robinhood is that they also pay out dividends if you own stocks that pay them out. Robinhood holds those in a separate cash “account” that you can cash out at anytime.

Robinhood was my first investment app and I have since used it regularly to purchase all kinds of stocks, from penny stocks to more expensive popular ones.

Aside from purchasing stocks, you can also purchase ETF’s, which are a safer option in which you own a part of many companies in the stock market, they usually also pay dividends.

You can get a FREE stock by signing up for free here.

You can get a free stock when you sign up, such as Uber, Apple, etc.

3. Ellevest

Ellevest is my favorite investment service of all time. Why? Because it’s geared towards women!

Everyone knows that the finance world is dominated by men. There is a lack of diversity when it comes to investments, and Ellevest is on a mission to change that. Not only is it founded by women, it invests in women, and the educational material is geared toward women. Ellevest works by using roboadvisors and personalized goal plans to invest your money for you to help you reach your goal.  You can input your end goal, such as vacation, a home purchase, and how long you would like to take to achieve it. Ellevest then calculates how much you can expect to have in your investment account in that time. It’s incredible. You can set multiple goals, and you can adjust them at any time.

Ellevest invests mainly in ETFs, which makes it a safer option that is divided  between many stocks so that the risk is lower. ETFs also pay dividends, which Ellevest reinvests into the ETF’s. So your money is constantly growing.

Sign up for Ellevest and receive $20 to invest here.


Those are my top three ways to easily start investing in your 20’s. They don’t require you to do tons of research, pay someone thousands of dollars, or risk a large amount of money. I’ve had success using all three of those, as they all have a different strategy, and I recommend them all to my friends.


To make the decision easier for you to make, I’ve outlined investment tips that are achievable for people either straight out of school, getting their first big girl job, or simply wanting to form a habit of investing.


5 Valuable Tips for 20-Something Investors

Now that you know the top investment opportunities for people your age, you may be wondering how you can successfully enter your first venture. Check out these valuable tips for 20-something investors.

  • Keep in Mind that Money is a Tool

One of the most important things you should remember is that money is a tool and not the goal. This means that you can only use money to achieve your goal, so, if you are aiming for a more fulfilling line of work, then you can use your money to establish a business that aligns with your vision. You can also funnel your funds toward companies whose goals are in line with yours.

  • Set Aside Your Funds

If you are planning to invest your money in any of the mentioned options, you should start allocating cash toward your objective. This way, you can begin your career as an investor as early as possible.

  • Consider Automation

Those having trouble setting aside funds for their investments should look into automation. There are different programs and services you can use to automate your budget. With these tools, you do not have to worry about paying your bills and expenses, as well as your contributions to investment accounts.

  • Stay Vigilant

Once you set a budget for your venture, you want to make sure that you monitor your investments. After all, you placed your hard-earned money into these opportunities.

For stock- and crypto-traders, keeping a close eye on your stocks is a must. A high-value stock at this moment might drop its valuation in the next hour, so it is important to watch your investments closely.

Even if you invested in a small business, mutual funds and life insurance should also be vigilant when it comes to contracts and agreements. While your lawyer, accountants and other professionals working with will take care of their side of things, knowing what is happening in your asset is a must. This way, you are completely informed about how your venture is doing and you have an idea what necessary steps to take next.

  • Don’t Feel Pressured

Another crucial thing you should keep in mind is that this is not a race. You may be seeing your peers enjoying the fruits of their labor by traveling to different parts of the world.

While your fellow 20-somethings seem to have reached their goals and are reaping its rewards, there is no reason to feel pressured. A lot of successful individuals today found their time in their 30s including Oprah Winfrey and Amazon founder Jeff Bezos.


With these investment opportunities complete with investment tips, you can start planning ahead with regards to your future endeavors. By checking out these options, your prospective ventures are guaranteed to be successful in one way or another. After all, you are bound to learn a thing or two as you explore your investment options.